or houston the impact. it's just not in their thought process to think that they have a problem with unemployment or housing. detroit, columbus, other places have it. parts of massachusetts have it. other parts of massachusetts don't. so i think this has to be very localized and figure out how you solve that. so it's going to be tight until we get rules figured out and then you bring in private capital. but i'm not sure that's alltogether a bad thing but i think we have a lot more granular by-city or by-community to figure out what the answer should be. >> turning now to the customer relationship and how it's changing in response to the very dramatic developments in the bank and developments over the last several years so, first of all, i was delighted to hear about your efforts regarding home buyer -- over the past few years people need to understand what they are getting into when they make this enormous commitment but let me ask you about the change in the different potential change. it was reported a co